Reconstitued CCA - Help.

[clairedcat]

Hello,
This is my first post on here. I have read quite a bit so far

about reconstituted CCA's, there is so much, so I apologise if someone

has already asked/answered this.

Lowell sent me a letter in response to my CCA request saying No CCA

existed, and closed my account. A couple of weeks later they sent a

reconstitued CCA, with my name and current address, not the address

I had when I bought from shop direct. They have reopened the

account. They have refused to send any statements or any other

details. My next plan is to SAR the OC. I don't believe I owe

anything. Lowell reckon the account was opened

2008 but I know it was March 2007 because I had a different

address.

I might sound a bit thick, but how would I know if a recon CCA was

a true copy of the orginal when I know I didnt sign one.

Also how would a DCA know the recon was a true copy when they

wrote to say the orginal no longer existed.

Thankyou for taking the time to read this.

Claire x

[Guest]

Re: Reconstitued CCA - Help.

Hi
If i were you i would save my money.
They are chancing their arm, this is usual for Lowells, they have no intention of taking legal action,.
I would just ignore any communication, if they try and ring you just refuse to answer their security questions
If you communicate with them for whatever reason you will just encourage them to persist.

Peter

[miliitant]

Re: Reconstitued CCA - Help.

USUAL LOWELL RUBBISH

WHAT THEY WILL NOT TELL YOU IS THE FULL JUDGEMENT ON THE CAREY JUDGEMENT

the reconstructed CCA must be taken from the original

you need to send loweell a letter asking them to confirm that the reconstructed copy is a true
copy and get them to stamp the agreement as a

TRUE CERTIFIED COPY

tell them you want the copy stamped as certified with a statement of truth to that effect

lets see what they come back with
------------------------------- merged -------------------------------
as peter has stated, just ignore unless you get a letter before action

[basa48]

Re: Reconstitued CCA - Help.

...........confirm that the reconstructed copy is a true
copy

Which will be difficult without the original to compare !!!

...............unless you get a letter before action

Which she won't, but she might get the usual pap with it's 'if's and 'maybe's.

[clairedcat]

Re: Reconstitued CCA - Help.

Thankyou all,
They have sent loads of settlement letters, which I have ignored.

My thinking was why send them if you could get the whole lot plus costs in court.

Until I started reading the posts on here I must admit i didn't know how handle the recon issue.

Im starting to realised it wasn't just me that thought Lowell was lowest of low.

Maybe that's how they got their name

Thanks again for giving your time to reply.

Claire x

[clairedcat]

Re: Reconstitued CCA - Help.

I am grateful for any further comments on this post.

But !

Just for future ref,

Obviously I have kept everything Lowell have sent.

If anyone would like to compare the recon I received relating to 2007/2008 from shop direct sent by lowell.

Please message me and I can upload it ( or whatever the correct term is) (albeit someone will have to talk me through how to do it)

I had no luck trying to find something to compare the recon I was sent.

If I can help anyone on this site fight back I will.

Once again thankyou.

Claire x